The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 3,756 32,436 SH   SOLE NONE 0 0 32,436
ABBVIE INC COM 00287Y109 37 417 SH   SOLE NONE 0 0 417
ABBOTT LABS COM 002824100 29 267 SH   SOLE NONE 0 0 267
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 444 1,965 SH   SOLE NONE 0 0 1,965
AUTOMATIC DATA PROCESSING IN COM 053015103 11 78 SH   SOLE NONE 0 0 78
AMERICAN TOWER CORP NEW COM 03027X100 17 69 SH   SOLE NONE 0 0 69
AMAZON COM INC COM 023135106 2,141 680 SH   SOLE NONE 0 0 680
AMERICAN EXPRESS CO COM 025816109 11 107 SH   SOLE NONE 0 0 107
BK OF AMERICA CORP COM 060505104 16 655 SH   SOLE NONE 0 0 655
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 36 24 SH   SOLE NONE 0 0 24
BROOKDALE SR LIVING INC COM 112463104 3 1,099 SH   SOLE NONE 0 0 1,099
BLACKROCK INC COM 09247X101 16 28 SH   SOLE NONE 0 0 28
BRISTOL-MYERS SQUIBB CO COM 110122108 15 250 SH   SOLE NONE 0 0 250
BERKSHIRE HATHAWAY INC DEL CL A 084670108 640 2 SH   SOLE NONE 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 27 125 SH   SOLE NONE 0 0 125
COMMUNITY HEALTHCARE TR INC COM 20369C106 12 250 SH   SOLE NONE 0 0 250
CIGNA CORP NEW COM 125523100 34,851 205,717 SH   SOLE NONE 0 0 205,717
CUMMINS INC COM 231021106 387 1,833 SH   SOLE NONE 0 0 1,833
SPDR SER TR S&P KENSHO CLEAN 78468R655 80 1,093 SH   SOLE NONE 0 0 1,093
COSTCO WHSL CORP NEW COM 22160K105 21 59 SH   SOLE NONE 0 0 59
CISCO SYS INC COM 17275R102 18 450 SH   SOLE NONE 0 0 450
CSX CORP COM 126408103 13 168 SH   SOLE NONE 0 0 168
CARVANA CO CL A 146869102 14 64 SH   SOLE NONE 0 0 64
CHEVRON CORP NEW COM 166764100 7 100 SH   SOLE NONE 0 0 100
DOMINION ENERGY INC COM 25746U109 12 150 SH   SOLE NONE 0 0 150
3-D SYS CORP DEL COM NEW 88554D205 1 230 SH   SOLE NONE 0 0 230
ISHARES TR CORE DIV GRWTH 46434V621 10,589 266,129 SH   SOLE NONE 0 0 266,129
DISNEY WALT CO COM DISNEY 254687106 51 407 SH   SOLE NONE 0 0 407
WISDOMTREE TR US LARGECAP DIVD 97717W307 175 1,800 SH   SOLE NONE 0 0 1,800
WISDOMTREE TR US MIDCAP DIVID 97717W505 42 1,452 SH   SOLE NONE 0 0 1,452
DUKE ENERGY CORP NEW COM NEW 26441C204 1,115 12,589 SH   SOLE NONE 0 0 12,589
DXC TECHNOLOGY CO COM 23355L106 0 5 SH   SOLE NONE 0 0 5
CONSOLIDATED EDISON INC COM 209115104 12 150 SH   SOLE NONE 0 0 150
EXACT SCIENCES CORP COM 30063P105 6 60 SH   SOLE NONE 0 0 60
FASTENAL CO COM 311900104 271 6,000 SH   SOLE NONE 0 0 6,000
FB FINL CORP COM 30257X104 26 1,026 SH   SOLE NONE 0 0 1,026
FEDEX CORP COM 31428X106 537 2,136 SH   SOLE NONE 0 0 2,136
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 6 772 SH   SOLE NONE 0 0 772
FIFTH THIRD BANCORP COM 316773100 19 906 SH   SOLE NONE 0 0 906
FS KKR CAP CORP II COM 35952V303 961 65,319 SH   SOLE NONE 0 0 65,319
GENERAL ELECTRIC CO COM 369604103 91 14,632 SH   SOLE NONE 0 0 14,632
GILEAD SCIENCES INC COM 375558103 168 2,664 SH   SOLE NONE 0 0 2,664
GENERAL MLS INC COM 370334104 197 3,200 SH   SOLE NONE 0 0 3,200
ALPHABET INC CAP STK CL A 02079K305 15 10 SH   SOLE NONE 0 0 10
HOME DEPOT INC COM 437076102 985 3,546 SH   SOLE NONE 0 0 3,546
ISHARES TR CORE HIGH DV ETF 46429B663 121 1,500 SH   SOLE NONE 0 0 1,500
HARLEY DAVIDSON INC COM 412822108 21 861 SH   SOLE NONE 0 0 861
HONEYWELL INTL INC COM 438516106 12 75 SH   SOLE NONE 0 0 75
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1 63 SH   SOLE NONE 0 0 63
HP INC COM 40434L105 1 63 SH   SOLE NONE 0 0 63
HEALTHCARE TR AMER INC CL A NEW 42225P501 111 4,287 SH   SOLE NONE 0 0 4,287
ISHARES GOLD TRUST ISHARES 464285105 47 2,594 SH   SOLE NONE 0 0 2,594
ISHARES TR ULTR SH TRM BD 46434V878 11,550 228,396 SH   SOLE NONE 0 0 228,396
ISHARES TR CORE MSCI EAFE 46432F842 3,107 51,541 SH   SOLE NONE 0 0 51,541
ISHARES INC CORE MSCI EMKT 46434G103 2,215 41,949 SH   SOLE NONE 0 0 41,949
ISHARES TR ISHS 1-5YR INVS 464288646 498 9,066 SH   SOLE NONE 0 0 9,066
ISHARES TR CORE S&P MCP ETF 464287507 27 145 SH   SOLE NONE 0 0 145
INTEL CORP COM 458140100 37 718 SH   SOLE NONE 0 0 718
ISHARES TR CORE 1 5 YR USD 46432F859 73 1,419 SH   SOLE NONE 0 0 1,419
ISHARES TR CORE S&P US GWT 464287671 5 59 SH   SOLE NONE 0 0 59
ISHARES TR CORE S&P500 ETF 464287200 3,062 9,113 SH   SOLE NONE 0 0 9,113
JOHNSON &JOHNSON COM 478160104 645 4,331 SH   SOLE NONE 0 0 4,331
JPMORGAN CHASE &CO COM 46625H100 34 357 SH   SOLE NONE 0 0 357
KRAFT HEINZ CO COM 500754106 10 346 SH   SOLE NONE 0 0 346
KIMBERLY CLARK CORP COM 494368103 30 200 SH   SOLE NONE 0 0 200
CARMAX INC COM 143130102 6 65 SH   SOLE NONE 0 0 65
COCA COLA CO COM 191216100 275 5,572 SH   SOLE NONE 0 0 5,572
LINDE PLC SHS G5494J103 152 640 SH   SOLE NONE 0 0 640
LILLY ELI &CO COM 532457108 22 150 SH   SOLE NONE 0 0 150
ISHARES TR MBS ETF 464288588 10,519 95,284 SH   SOLE NONE 0 0 95,284
MCDONALDS CORP COM 580135101 161 735 SH   SOLE NONE 0 0 735
MICROCHIP TECHNOLOGY INC. COM 595017104 1 5 SH   SOLE NONE 0 0 5
MONDELEZ INTL INC CL A 609207105 60 1,038 SH   SOLE NONE 0 0 1,038
MICRO FOCUS INTL PLC SPON ADR NEW 594837403 0 6 SH   SOLE NONE 0 0 6
3M CO COM 88579Y101 400 2,500 SH   SOLE NONE 0 0 2,500
ALTRIA GROUP INC COM 02209S103 58 1,500 SH   SOLE NONE 0 0 1,500
MERCK &CO. INC COM 58933Y105 17 200 SH   SOLE NONE 0 0 200
MICROSOFT CORP COM 594918104 64 305 SH   SOLE NONE 0 0 305
NIKE INC CL B 654106103 338 2,689 SH   SOLE NONE 0 0 2,689
ORACLE CORP COM 68389X105 107 1,800 SH   SOLE NONE 0 0 1,800
OREILLY AUTOMOTIVE INC COM 67103H107 564 1,224 SH   SOLE NONE 0 0 1,224
OCCIDENTAL PETE CORP COM 674599105 4 360 SH   SOLE NONE 0 0 360
PEPSICO INC COM 713448108 748 5,394 SH   SOLE NONE 0 0 5,394
PFIZER INC COM 717081103 183 4,991 SH   SOLE NONE 0 0 4,991
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 4 100 SH   SOLE NONE 0 0 100
PHILIP MORRIS INTL INC COM 718172109 127 1,700 SH   SOLE NONE 0 0 1,700
PINNACLE FINL PARTNERS INC COM 72346Q104 1 36 SH   SOLE NONE 0 0 36
PERSPECTA INC COM 715347100 0 2 SH   SOLE NONE 0 0 2
PAYPAL HLDGS INC COM 70450Y103 48 243 SH   SOLE NONE 0 0 243
STARBUCKS CORP COM 855244109 169 1,966 SH   SOLE NONE 0 0 1,966
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,411 166,325 SH   SOLE NONE 0 0 166,325
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 29 250 SH   SOLE NONE 0 0 250
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 564 10,172 SH   SOLE NONE 0 0 10,172
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4 69 SH   SOLE NONE 0 0 69
ISHARES TR EAFE SML CP ETF 464288273 1,133 19,205 SH   SOLE NONE 0 0 19,205
SPDR SER TR S&P DIVID ETF 78464A763 757 8,192 SH   SOLE NONE 0 0 8,192
ISHARES TR 0-5YR INVT GR CP 46434V100 21,569 413,843 SH   SOLE NONE 0 0 413,843
SOUTHERN CO COM 842587107 28 525 SH   SOLE NONE 0 0 525
ISHARES TR PHLX SEMICND ETF 464287523 553 1,817 SH   SOLE NONE 0 0 1,817
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,912 270,391 SH   SOLE NONE 0 0 270,391
S&P GLOBAL INC COM 78409V104 21 59 SH   SOLE NONE 0 0 59
SPLUNK INC COM 848637104 16 86 SH   SOLE NONE 0 0 86
STRATASYS LTD SHS M85548101 2 135 SH   SOLE NONE 0 0 135
ISHARES TR SHRT NAT MUN ETF 464288158 51 475 SH   SOLE NONE 0 0 475
STRYKER CORPORATION COM 863667101 14 68 SH   SOLE NONE 0 0 68
AT&T INC COM 00206R102 114 3,994 SH   SOLE NONE 0 0 3,994
TRIPADVISOR INC COM 896945201 1 28 SH   SOLE NONE 0 0 28
UNITEDHEALTH GROUP INC COM 91324P102 500 1,604 SH   SOLE NONE 0 0 1,604
UNION PAC CORP COM 907818108 472 2,395 SH   SOLE NONE 0 0 2,395
VISA INC COM CL A 92826C839 17 87 SH   SOLE NONE 0 0 87
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,071 6,963 SH   SOLE NONE 0 0 6,963
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 17 106 SH   SOLE NONE 0 0 106
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 396 7,850 SH   SOLE NONE 0 0 7,850
VIACOMCBS INC CL B 92556H206 21 737 SH   SOLE NONE 0 0 737
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,284 33,296 SH   SOLE NONE 0 0 33,296
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 161 2,000 SH   SOLE NONE 0 0 2,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 484 2,840 SH   SOLE NONE 0 0 2,840
VANGUARD INDEX FDS LARGE CAP ETF 922908637 219 1,400 SH   SOLE NONE 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,443 357,139 SH   SOLE NONE 0 0 357,139
VERIZON COMMUNICATIONS INC COM 92343V104 240 4,028 SH   SOLE NONE 0 0 4,028
WALGREENS BOOTS ALLIANCE INC COM 931427108 118 3,296 SH   SOLE NONE 0 0 3,296
WASTE MGMT INC DEL COM 94106L109 23 200 SH   SOLE NONE 0 0 200
WILLIAMS COS INC COM 969457100 75 3,800 SH   SOLE NONE 0 0 3,800
WALMART INC COM 931142103 14 100 SH   SOLE NONE 0 0 100
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 126 1,984 SH   SOLE NONE 0 0 1,984
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 413 6,946 SH   SOLE NONE 0 0 6,946
SELECT SECTOR SPDR TR ENERGY 81369Y506 97 3,249 SH   SOLE NONE 0 0 3,249
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 398 16,534 SH   SOLE NONE 0 0 16,534
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 337 4,375 SH   SOLE NONE 0 0 4,375
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,041 8,922 SH   SOLE NONE 0 0 8,922
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 269 4,201 SH   SOLE NONE 0 0 4,201
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 123 3,501 SH   SOLE NONE 0 0 3,501
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 101 1,693 SH   SOLE NONE 0 0 1,693
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 363 3,442 SH   SOLE NONE 0 0 3,442
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 454 3,092 SH   SOLE NONE 0 0 3,092
EXXON MOBIL CORP COM 30231G102 120 3,494 SH   SOLE NONE 0 0 3,494
ZIMMER BIOMET HOLDINGS INC COM 98956P102 33 240 SH   SOLE NONE 0 0 240